Home/Salary Guide/RM800,000

How Much Salary to Buy a RM800k House in Malaysia (2026)

Last updated: March 2026

To buy a RM800,000 house in Malaysia, you need a minimum salary of RM8,000/month (or RM10,000/month for comfortable repayment). Monthly instalment: RM3,320.

Affordability Breakdown

House PriceRM800,000
Loan Amount (90%)RM720,000
Down Payment (10%)RM80,000
Monthly InstalmentRM3,320
Min Salary (70% DSR)RM8,000/month
Ideal Salary (60% DSR)RM10,000/month
Interest Rate4.5% p.a.
Loan Tenure35 years

Who Can Afford This?

Upper T20 — premium segment requiring strong financial profile.

Senior managers, directors or high-income dual earners.

What If I Have Existing Commitments?

The minimum salary figures above assume zero other monthly commitments. In reality, most Malaysians have existing obligations — PTPTN loan repayments, car instalments, credit card minimum payments or personal loans. Each of these reduces your available DSR headroom, meaning you would need a higher salary to qualify for the same loan amount.

For example, if you earn RM8,000/month but have a RM500/month car loan, your effective DSR headroom drops significantly. Instead of RM5,600/month available for housing, you would only have RM5,100/month — potentially disqualifying you for a RM800,000 property. Use our affordability calculator for a personalised breakdown based on your exact commitments.

Stamp Duty for RM800,000 Property

TierAmount
First RM100,000 @ 1%RM1,000
RM100,001–RM500,000 @ 2%RM8,000
RM500,001–RM1,000,000 @ 3%RM9,000
Total Stamp Duty (MOT)RM18,000

First-time buyers may qualify for stamp duty exemptions on properties below RM500,000.

New Projects at This Price Range

1.5 & 2 Storey Shop Offices @ Forest Heights, Seremban
New Launch

1.5 & 2 Storey Shop Offices @ Forest Heights, Seremban

Seremban, Negeri Sembilan

5,320 sq ft
From RM800k
Landed HouseFreehold
Casira 3 Terrace Collection @ Bandar Bukit Raja, Klang, Selangor
New Launch

Casira 3 Terrace Collection @ Bandar Bukit Raja, Klang, Selangor

Klang, Selangor

1,700 sq ft
From RM794k
Landed HouseFreehold
Edelweiss Shoppes, Commercial Shop @ Tropicana Gardens, Petaling Jaya
New Launch

Edelweiss Shoppes, Commercial Shop @ Tropicana Gardens, Petaling Jaya

Damansara, Selangor

556 sq ft
From RM794k
Landed House
See all projects below RM800,000 →

Gaji Untuk Beli Rumah RM800,000

Untuk membeli rumah berharga RM800,000 di Malaysia, gaji minimum yang diperlukan ialah RM8,000 sebulan berdasarkan DSR 70% tanpa komitmen lain. Ansuran bulanan lebih kurang RM3,320 dengan kadar faedah 4.5% dan tempoh 35 tahun. Bayaran muka (10%) sebanyak RM80,000 diperlukan.

← RM600,000RM1,000,000 →

Frequently Asked Questions

How much salary do I need to buy a RM800,000 house?▼
You need a minimum salary of RM8,000/month to buy a RM800,000 house in Malaysia, based on a 70% DSR ratio with no other commitments. For a more comfortable 60% DSR, aim for RM10,000/month. Monthly instalment is approximately RM3,320.
What is the monthly instalment for a RM800,000 house loan?▼
The monthly instalment for a RM800,000 house with a 90% loan (RM720,000) at 4.5% interest over 35 years is approximately RM3,320. This does not include MRTA/MLTA insurance or fire insurance.
Can I buy a RM800,000 house with RM8,000 salary?▼
Yes, RM8,000/month is the minimum salary required at 70% DSR — but this assumes zero other monthly commitments. If you have a car loan (e.g. RM500/month), you would need a higher salary. Use our affordability calculator for a personalised breakdown.
Full Salary GuideAffordability CalculatorKelayakan Beli RumahHousing Schemes

Figures are estimates. Consult a licensed financial advisor before making property decisions.